In contemporary times a person who is looking forward to receiving a credit score can end up in serious confusion. Simply because there are several options available to score credit on the market. Hence, it becomes your responsibility to know exactly what your lender is using in case you are applying for a loan. If it is a mortgage, then there is a strong possibility that your FICO score will be taken into account. However, there is no harm to inquire about it. This aspect holds pivotal importance because the disparity in information may produce significant changes in the results. Moreover, it becomes important to realize that the results will vary depending on the information feed into the formula. A person’s credit score is dependent on the information found in the credit report , and it may not have the same information every time. In this regard, your account history is a perfect example. One of your accounts may be reported to the credit bureau that will make th...